Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the EBITDA margin high or low?
The EBITDA margin of 38.22% is in line with its 5-year average of 39.70%, near the low end of its 5-year range (32.95%–79.56%).
1.99% below its 12-month average of 39.00%.
Reported quarterly EBITDA margin; no daily interpolation. Q4 FY2026 (2026-06-30): 40.54%.
EBITDA MARGIN
38.22%
EBITDA MARGIN AVG TTM
39.00%
EBITDA MARGIN AVG 3Y
36.73%
EBITDA MARGIN AVG 5Y
39.70%
EBITDA MARGIN AVG 10Y
37.10%
EBITDA MARGIN AVG 15Y
31.65%
EBITDA MARGIN AVG 20Y
25.90%
CURRENT VS TTM AVG
-1.99%
CURRENT VS 3Y AVG
+4.05%
CURRENT VS 5Y AVG
-3.74%
CURRENT VS 10Y AVG
+3.02%
CURRENT VS 15Y AVG
+20.78%
CURRENT VS 20Y AVG
+47.59%
Market Cap
$1.05B
EBITDA Margin
21.74%
TTM Avg
19.15%
3Y Avg
2.06%
5Y Avg
12.52%
Market Cap
$1.04B
EBITDA Margin
50.39%
TTM Avg
40.71%
3Y Avg
42.47%
5Y Avg
50.65%
Market Cap
$1.07B
EBITDA Margin
25.31%
TTM Avg
25.55%
3Y Avg
25.55%
5Y Avg
21.23%
Market Cap
$1.03B
EBITDA Margin
43.33%
TTM Avg
44.29%
3Y Avg
46.19%
5Y Avg
43.01%
Market Cap
$1.02B
EBITDA Margin
28.64%
TTM Avg
29.35%
3Y Avg
34.45%
5Y Avg
35.84%
Market Cap
$1.02B
EBITDA Margin
23.06%
TTM Avg
22.04%
3Y Avg
25.89%
5Y Avg
27.41%
Market Cap
$1.01B
EBITDA Margin
14.23%
TTM Avg
17.67%
3Y Avg
25.68%
5Y Avg
27.53%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Northeast Bank (NBN) | $1.05B | 38.22% | 39.00% | 36.73% | 39.70% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 21.74% | 19.15% | 2.06% | 12.52% |
| Five Star Bancorp (FSBC)vs › | $1.06B | 33.97% | 32.67% | 38.80% | 42.51% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 50.39% | 40.71% | 42.47% | 50.65% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 25.31% | 25.55% | 25.55% | 21.23% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.03B | 43.33% | 44.29% | 46.19% | 43.01% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 28.64% | 29.35% | 34.45% | 35.84% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.06% | 22.04% | 25.89% | 27.41% |
| OceanFirst Financial Corp. (OCFC)vs › | $1.01B | 14.23% | 17.67% | 25.68% | 27.53% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 23.26% | 21.28% | 23.77% | 25.43% |
EBITDA Margin
38.2%
Operating Margin
38.6%
Net Margin
28.2%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | EBITDA MARGIN |
|---|---|
| 2026-06-30 | 40.54% |
| 2026-03-31 | 41.72% |
| 2025-12-31 | 35.50% |
| 2025-09-30 | 38.10% |
| 2025-06-30 | 39.12% |
| 2025-03-31 | 35.58% |
| 2024-12-31 | 38.42% |
| 2024-09-30 | 35.50% |
| 2024-06-30 | 34.02% |
| 2024-03-31 | 33.47% |
| 2023-12-31 | 35.82% |
| 2023-09-30 | 36.80% |
| 2023-06-30 | 32.95% |
| 2023-03-31 | 36.61% |
| 2022-12-31 | 42.74% |
| 2022-09-30 | 44.69% |
| 2022-06-30 | 57.18% |
| 2022-03-31 | 58.91% |
| 2021-12-31 | 61.69% |
| 2021-09-30 | 55.91% |
| 2021-06-30 | 79.56% |
| 2021-03-31 | 82.52% |
| 2020-12-31 | 48.93% |
| 2020-09-30 | 48.22% |
| 2020-06-30 | 53.67% |
| 2020-03-31 | 20.50% |
| 2019-12-31 | 35.95% |
| 2019-09-30 | 35.29% |
| 2019-06-30 | 0.48% |
| 2019-03-31 | 33.45% |
| 2018-12-31 | 35.80% |
| 2018-09-30 | 32.53% |
| 2018-06-30 | 36.13% |
| 2018-03-31 | 33.79% |
| 2017-12-31 | 31.87% |
| 2017-09-30 | 37.15% |
| 2017-06-30 | 38.43% |
| 2017-03-31 | 36.37% |
| 2016-12-31 | 32.91% |
| 2016-09-30 | 23.62% |
| 2016-06-30 | 26.42% |
| 2016-03-31 | 24.27% |
| 2015-12-31 | 24.21% |
| 2015-09-30 | 28.33% |
| 2015-06-30 | 28.09% |
| 2015-03-31 | 27.25% |
| 2014-12-31 | 24.99% |
| 2014-09-30 | 26.36% |
| 2014-06-30 | 14.35% |
| 2014-03-31 | 14.51% |
| 2013-12-31 | 25.12% |
| 2013-09-30 | 12.47% |
| 2013-06-30 | 6.97% |
| 2013-03-31 | 25.12% |
| 2012-12-31 | 25.67% |
| 2012-09-30 | 21.07% |
| 2012-06-30 | 19.24% |
| 2012-03-31 | 8.29% |
| 2011-12-31 | 13.89% |
| 2011-09-30 | -3.80% |
| 2011-06-30 | 14.57% |
| 2011-03-31 | 6.20% |
| 2010-12-31 | 52.23% |
| 2010-09-17 | 17.96% |
| 2010-06-30 | 7.79% |
| 2010-03-31 | 11.07% |
| 2009-12-31 | 11.84% |
| 2009-09-15 | 10.13% |
| 2009-06-30 | 3.36% |
| 2009-03-31 | 5.94% |
| 2008-12-31 | 4.60% |
| 2008-09-30 | -0.07% |
| 2008-06-30 | 4.35% |
| 2008-03-31 | 7.31% |
| 2007-12-31 | 4.41% |
| 2007-09-30 | 5.03% |
| 2007-06-30 | 5.38% |
| 2007-03-31 | 6.39% |
| 2006-12-31 | 5.03% |
| 2006-09-30 | 5.79% |
| 2006-06-30 | 13.32% |
| 2006-03-31 | 12.02% |
| 2005-12-31 | 15.21% |
| 2005-09-30 | 15.23% |
| 2005-06-30 | 17.45% |
| 2005-03-31 | 16.77% |
| 2004-12-31 | 11.86% |
| 2004-09-30 | 15.88% |
| 2004-06-30 | 11.55% |
| 2004-03-31 | 18.31% |
| 2003-12-31 | 16.28% |
| 2003-09-30 | 16.46% |
| 2003-06-30 | 16.87% |
| 2003-03-31 | 18.76% |
| 2002-12-31 | 15.29% |
| 2002-09-30 | 16.30% |
